Visa
Binance Card
5.7/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM WithdrawalATM WithdrawalTwo free withdrawals per month, then $1.50 per withdrawal.
- 1.5%
- FX Fee
- 1%
- Crypto / Fiat Conversion
- 0.9%
03Rewards
- Cashback
- 1%
Card Guide
Overview
Binance Card is a Mastercard debit card issued in selected markets: the global programme is issued by Immersve Limited of New Zealand under the Mastercard Global Reach Partner Program and denominated in USD. Spending draws on the Binance funding account, with the chosen crypto converted to fiat at the live rate at checkout. Brazil runs a separate BRL programme issued through Dock, with its own fees, cashback and limits.
| Item | Details |
|---|---|
| Formats: | a free instant virtual card and a USD 10 physical card, with Apple Pay support. |
| Tiers: | three bands set by calendar-month spending, applied retroactively to the whole month from the following month. |
| Supported assets: | USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP. |
| Use cases: | everyday spending, subscriptions and cross-border payments; the Mexican version is structured as a liquidity line backed by crypto collateral. |
Benefits
| Item | Details |
|---|---|
| Cashback tiers: | 1.5% up to USD 100 of monthly spend, 2% from 100 to 1,000 and 3% above 1,000. |
| Monthly cap: | USD 100 equivalent, paid by the 10th of the following month. |
| Payout form: | USDC or BTC equivalent, credited to the Spot account since 24 September 2026. |
| Lower schedule: | Colombia, Peru, Armenia and some CIS countries run 0.5% / 1% / 1.5% / 2% at USD 80 / 400 / 800 thresholds, capped at USD 20 a month. |
| U-token settlement: | paying with the U token carries 0% FX and 0% conversion. |
Fees
| Item | Details |
|---|---|
| Issuance: | free virtual card, USD 10 physical card. |
| Annual and monthly fees: | none. |
| Crypto conversion: | 0.9%, or 0.1% when paying with USDC. |
| FX: | 2% on non-USD purchases, and 3% in New Zealand. |
| ATM: | the first two withdrawals each month are free, then USD 1.50 each. |
| Refunds: | no additional charge, though the related cashback is clawed back. |
Availability
| Item | Details |
|---|---|
| Supported: | Argentina, Armenia, Australia, Brazil, Colombia, Mexico, New Zealand and Peru, plus some CIS countries that Binance does not individually list. |
| Not supported: | the United States, the United Kingdom and EU member states; the original European Visa programme ended in December 2023. |
| Onboarding: | Binance identity verification with document and selfie, plus a funded account holding a supported asset. |
| Spending limits: | USD 5,000 a day and USD 15,000 a month. |
| ATM limits: | no separate daily cash cap is published; network and acquirer limits apply. |